- Assessment of borrowers profiles, repayment capacity and income stability. - Visiting business premise, property and residence of customer at the time of PD - Understanding of actual business income & expenses (other than reported income) of customer - Ability to understand customer business and requirement from their perspective - Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD - Study, analysis and interpretation of legal & technical reports of property - Study, analysis and interpretation of other internal check reports - Underwriting and sanction of Home loan/loan against property files sourced by sales team - Revert on post sanction conditions prior to disbursement based on queries raised by the team - Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix - Co-ordinate and communicate with different departments - Maintaining TAT as per guidelines and taking case to decision point - Adherence to the policy/ process laid out by the Central team on all loan applications being processed - Close monitoring on non-starters/first EMI bounce trends - Maintaining and reporting of various MIS to monitor portfolio performance and risk - Continuously improvise underwriting capability based on portfolio performance

Mumbai

Bangalore

Credit Manager 

Job Description for Credit Manager  in Max HR - Search Solutions in  Mumbai Bangalore for (5-8) years of experience. Apply Now!